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Mass payments #

Dwolla mass payments allows you to easily send up to 5,000 payments in one API request. The payments are funded from a single user's specified funding source and processed asynchronously upon submission.

Your mass payment will initially be pending and then processed. As the service processes your mass payment, each item is processed one after the other, at a rate between 0.5 sec. - 1 sec. / item. Therefore, you can expect a 1000-item mass payment to be completed between 8-16 minutes.

A mass payment offers a significant advantage over repeatedly calling the Transfers endpoint for each individual transaction. A key benefit is that a bank-funded mass payment only incurs a single ACH debit from the bank account to fund the entire batch of payments. The alternative approach will incur an ACH debit from the bank funding source for each individual payment. Those who used this approach have reported incurring fees from their financial institutions for excessive ACH transactions.

Mass payments resource #

idMass payment unique identifier.
statusEither deferred: A created mass payment that can be processed at a later time. pending: A mass payment that is pending and awaiting processing. A mass payment has a pending status for a brief period of time and cannot be cancelled. processing: A mass payment that is processing. complete: A mass payment successfully completed processing.
createdISO-8601 timestamp.
metadataA metadata JSON object.
clearingA clearing JSON object.
totalThe sum amount of all items in the mass payment.
totalFeesThe sum amount of all fees charged for the mass payment.
correlationIdA string value attached to a mass payment resource which can be used for traceability between Dwolla and your application.
    "_links": {
        "self": {
            "href": "",
            "type": "application/vnd.dwolla.v1.hal+json",
            "resource-type": "mass-payment"
        "source": {
            "href": "",
            "type": "application/vnd.dwolla.v1.hal+json",
            "resource-type": "funding-source"
        "items": {
            "href": "",
            "type": "application/vnd.dwolla.v1.hal+json",
            "resource-type": "mass-payment-item"
    "id": "da835c07-1e12-4212-8b93-a7e0013dfd98",
    "status": "complete",
    "created": "2017-08-31T19:18:02.000Z",
    "metadata": {
        "batch": "batch1"
    "total": {
        "value": "0.02",
        "currency": "USD"
    "totalFees": {
        "value": "0.00",
        "currency": "USD"
    "correlationId": "d028beed-8152-481d-9427-21b6c4d99644"
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Financial institutions play an important role in our network.

All funds transfers made using the Dwolla Platform are performed by a financial institution partner, and any funds held in a Dwolla Balance are held by a financial institution partner. Learn more about our financial institution partners.